Lake of Bays, ON · · MLS® X13517294Updated
$15,000Est. $74/mo mortgage
1052 Rat Bay 103-1 Rd is a 2-bedroom, 1-bathroom home in Lake of Bays, listed for $15,000. It has 600-699 sq ft of living space.
Coldwell Banker Summit Realty, BrokerageZara is an AI virtual agent. Advisors are licensed REALTORS® at Coldwell Banker Summit Realty, Brokerage.
Blue Water Acres has almost 50 acres of Muskoka paradise and 300 feet of south-facing frontage on Lake of Bays. This is FRACTIONAL ownership. It is NOT a timeshare. You would actually own a 1/10th share of the cottage that you buy which includes a share in the entire complex. This gives you the right to use the cottage for five weeks per year: one core summer week, plus 4 more floating weeks in the other seasons. Some owners rent their weeks out to help cover maintenance costs. Rental rates for Deerview cottage range from $1,659/wk to $3,009/wk depending on the season. If it's rented through Blue Water Acres the revenue is split 50/50. If you rent it out yourself you get to keep 100% of the revenue. Facilities include an indoor swimming pool, whirlpool, sauna, games room, fitness room, activity center, gorgeous sandy beach with shallow water ideal for kids, great swimming, kayaks, canoes, paddleboats, skating rink, tennis court, playground, and walking trails. You can moor your boat for your weeks during boating season. This 2 bedroom cottage is called 103 Deerview, Week 1 . Check-in is on Fridays at 4 p.m. ANNUAL maintenance fee PER OWNER for Deerview 103 in 2026 is $4,629 + HST. Core (fixed) week in 2026 starts on June 26/25. Floating weeks for 2026 start on: March 6, June 12, June 26 (core week), October 30, December 25. Maintenance fee is paid in the fall of each year for the following year but you only pay for the weeks that you have possession of the cottage. There is no HST on the purchase price. All cottages are PET-FREE and Smoke-free.
2 bedrooms, 1 bathroom, about 600 sq ft, works out to roughly $25 per square foot. Chat with Zara if you'd like a deeper read on whether this home fits your budget and timing.
Every detail from the listing, in one place.
Parking & garage
Interior
Lot & land
Listing & possession
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
Zara’s estimate
Summitly estimate, not from TRREB, the MLS® or the listing brokerage. Not an appraisal. How it works
Closed sales on the TRREB MLS®.
Full Lake of Bays market reportSold prices are shown free to signed-in members, as board rules require.
Sign in to see photos and details
1020 Birch Glen Road
2 bd · 3 ba · Other
Sign in to see photos and details
1052 RAT BAY Road
2 bd · 2 ba · Other
Sign in to see photos and details
1020 Birch Glen Road
3 bd · 2 ba · Other
Sign in to see photos and details
1020 Birch Glen Road
2 bd · 3 ba · Other
Sign in to see photos and details
1020 Birch Glen Road
3 bd · 3 ba · Other
Sign in to see photos and details
1016 Pondview Court
3 bd · 2 ba · Other
6 nearby sales vs. this home
Closed sales from MLS®, compared with this home's asking price.
See what these homes actually sold for
Free with a Summitly account. Sign in once and sold prices unlock across the site.
| Home | Sold price | $ / sqft | % of asking | Sold |
|---|---|---|---|---|
This home1052 Rat Bay 103-1 Road 2 bd · 1 ba · 600 sqft | $15,000asking | $25 | — | — |
| 1020 Birch Glen Road 2 bd · 3 ba · 1,800 sqft | ||||
| 1052 RAT BAY Road 2 bd · 2 ba · 900 sqft | ||||
| 1020 Birch Glen Road 3 bd · 2 ba · 1,500 sqft | ||||
| 1020 Birch Glen Road 2 bd · 3 ba · 1,500 sqft | ||||
| 1020 Birch Glen Road 3 bd · 3 ba · 1,800 sqft | ||||
| 1016 Pondview Court 3 bd · 2 ba · 1,500 sqft |
2 bd · 3 ba · 1,800 sqft
2 bd · 2 ba · 900 sqft
3 bd · 2 ba · 1,500 sqft
2 bd · 3 ba · 1,500 sqft
3 bd · 3 ba · 1,800 sqft
3 bd · 2 ba · 1,500 sqft
Transit, schools, parks and everyday places near this home. Select any place to open it on Google Maps.
Loading schools, parks, groceries and more nearby…
From 1052 Rat Bay 103-1 Rd. Typical times without traffic delays; transit times aren't available yet.
What it could cost each month, today's rates from our mortgage partner, and what it could return as a rental.
Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Lock in a low rate before you offer
Compare today's rates across lenders, lock yours in, and get pre-qualified in about 2 minutes.
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
Want rate-drop alerts and a saved shortlist?
Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
For homeowners nearby
Get an instant estimate for your own home, based on recent sales around you. A free account shows the number and emails you the full report.
Free · No obligation · Backed by Coldwell Banker
Book a tour of 1052 Rat Bay 103-1 Rd with a licensed buyer's agent
Your agent is usually paid from the seller's side. We'll confirm the co-operating commission on this listing before you sign anything.
Ask about 1052 Rat Bay 103-1 Rd day or night. Zara reads this listing and answers in plain words. When you want a person, she hands you to a licensed agent.
Your agent shows you the home, checks the paperwork and negotiates your offer, on your side, not the seller's.
Listing brokerage: Chestnut Park Real Estate, BrokerageMLS® X13517294 · Listing data last updated
Listing data comes from the Toronto Regional Real Estate Board (TRREB) and is deemed reliable but not guaranteed. Shown on Summitly by Coldwell Banker Summit Realty, Brokerage, which is not the listing brokerage. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose. © 2026 Toronto Regional Real Estate Board. All rights reserved.
Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.
Other 2-bed homes for sale in Lake of Bays around $15K.
Homes for sale in Lake of Bays
Every active Lake of Bays MLS® listing, updated all day.
Based on 64 sales from Jul 23 – Oct 21, 2026 (32 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
1052 Rat Bay 103-1 Rd is listed at $15,000 (MLS® X13517294). Summitly updates the price as soon as the MLS® record changes.
Summitly rates it Excellent Deal: the asking price is 10% or more below Zara's estimate, an estimate built from recent sales in Lake of Bays. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
No — 1052 Rat Bay 103-1 Rd is still listed at its original asking price of $15,000.
1052 Rat Bay 103-1 Rd has 2 bedrooms and 1 bathroom, with about 600–699 square feet of living space. It is a home in Lake of Bays.
About $74 a month — principal and interest on $15,000 with 20% down ($3,000), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
Its asking price of $15,000 is about 98% below the median sold price in Lake of Bays over the last 90 days, $762,500, across 64 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Summitly has no earlier MLS® sale or lease of 1052 Rat Bay 103-1 Rd on record from the last two years. Older records aren't shown under TRREB rules.
1052 Rat Bay 103-1 Rd is in Lake of Bays, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
110 days — 1052 Rat Bay 103-1 Rd was listed on July 3, 2026.
About $21 to $25 per square foot: the asking price of $15,000 over the 600–699 sq ft the listing gives as its size range.
Yes — the listing gives 2 parking spaces.
The listing says 1052 Rat Bay 103-1 Rd has no basement.
